***TOP 1% MONEY & FINANCIAL SUPPORT PODCAST***
Do you make good money but have nothing to show for it? Tired of using your bank account & credit card balances as your budget? Want to get debt-free but don’t want to sacrifice everything to do it? Ready to save money and build generational wealth?
You’re in the right place!
We’re telling you exactly how to budget, pay off debt, save money & stop living paycheck to paycheck.
We’re Shana & Vanessa: BFFs, business partners & Dave Ramsey Solutions Master Financial Coaches (and unofficial marriage counselors). We’re glad you’re here.
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Données mises à jour le 14/07/2026
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Hey Budget Besties — can you believe it? We’re heading into 2026. 😲 New year. New budget. Same us — making sure your money is working for you (not the other way around).
In this episode, we’re not just dreaming about the future — we’re putting real numbers behind it. We’re walking you through how to set your financial goals for 2026 with intention, purpose, and a plan that actually fits your life.
Whether your year ahead is full of college visits, career changes, or your dream trip to Bali (yes please 🙋♀️), you’ll learn how to:
Think about your short, midterm, and long-term money goals
Tie your financial decisions directly to what you care about
Create a realistic, flexible plan that makes your dreams doable
Avoid the “woo” and keep your financial feet on the ground (but don’t worry, we’ll still get you excited!)
And finally take that bills debit card out of your wallet 👀
We know life’s busy. Maybe you’re not doing vision boards or chanting under a full moon — but you still want clarity, confidence, and a budget that reflects your real goals.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
We’re bringing back one of our all-time favorite convos with our good friend and Diet Disruptor queen, Carrie Lupoli! If you missed it the first time (or need a refresh), get ready for one seriously powerful conversation on how your financial health and physical health go hand-in-hand.
Carrie has called us her besties for years (aw 🥹), and in this re-air, we finally sat down with her on the mic to talk about how getting your money in check can actually transform your mental clarity, stress levels, and even your relationship with food.
👯♀️ What We Chat About:
The surprising connection between financial stress and health struggles
Why “not knowing what you don’t know” is not your fault—and how to unlearn it
How Carrie and her husband completely shifted their money mindset and now have money left at the end of the month 🙌
What it means to budget like a grown-up without giving up brunch, beauty, or bacon 🍳
Why credit card “points” aren’t doing you any favors (sorry, not sorry 😅)
A simple, automated budgeting system that makes life easier—yes, automagically 🪄
Teaching your kids financial confidence early (Carrie’s 20-year-old is thriving!)
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎
How to Create a Budget That Works with Your Paycheck Cycle with Coach Michelle | 494
Guess who’s back on the podcast? Our incredible coach Michelle is here, and she’s bringing the behind-the-scenes scoop from office hours — aka where the magic happens every single week.
Whether you’ve joined us live or you’re wondering what office hours are all about, this episode breaks down the real questions people are asking (and the “aha” moments they’re walking away with).
From paycheck planning to deciding between savings buckets and spending accounts, this convo is full of clarity, encouragement, and real-life strategy.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎
Year in Review: How to Reflect on Your Budget, Debt & Goals Before 2026 | 493
Budget besties, 2026 is almost here—but don’t skip the most important step: looking back at your 2025 money moves. 👀💸
In this episode, we’re walking you through a quick + powerful Year-in-Review so you can:
Actually see where your money went
Celebrate how far you've come (yes, even if it doesn’t feel like it)
Spot what needs adjusting before you set 2026 goals
We’re talking debt payoff, savings buckets, spending patterns, life changes—and how to use that info to feel way more confident going into the new year.
✨ Grab your free checklist: budgetbesties.com/yearinreview ✨ Simplified Budget System owners — book your one-time planning session at budgetbesties.com/annualplanning ✨ Bootcamp is coming Dec 29th: budgetbesties.com/bootcamp
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
How to Build Your December 2025 Budget (Step-By-Step Walkthrough) | 492
You know what time it is... it's DECEMBER BUDGET TIME! 🎁 And if you're like us, you're probably already bracing for the whirlwind of holidays, parties, gifts, and those sneaky little expenses that come outta nowhere (we see you, secret Santa and gymnastics party #3).
In this episode, we walk you step-by-step through how to build your December budget before the chaos takes over—because clarity now means peace later.
Here’s what we’re diving into:
✅ Closing out November
Before we do anything for December, we gotta see how November wrapped up. That means checking bills, income changes, surprise spending, and making sure your budget reflects what actually happened, not just what you planned.
✅ Setting Up December’s Budget
We start fresh—but not really! If you're using our system, it all auto-fills based on last month, so you’re not building from scratch. We show you how to plug in your income, including paychecks, side hustles, garage sales—you name it. Every dollar coming in matters.
✅ Listing Your Debt Minimums
No skipping this step. We’re laying out all those minimum payments so you can see exactly how much debt is costing you monthly. Why? Because awareness = power. And some of y’all are one payoff away from a BIG monthly win!
✅ Mapping Out Your Bills
We walk you through how to list every bill with a due date—from the mortgage and electric to those pesky subscriptions that add up fast. (Looking at you, 7 streaming services.)
✅ Budgeting for Spending—Yes, Real Life Spending
Gas. Groceries. Fun. Kid stuff. Personal spending. We break down how we use for each so you know what’s safe to spend—no tracking needed. 🙌
Lessons from Real Coaching Clients: How to Set Up Teen Allowance with Bank Accounts, Combine Finances in Marriage, and Rebuild Financial Trust with Your Spouse | 491
This week, we're bringing you straight into the coaching room—real client convos, real financial struggles, and real solutions that you can take and use TODAY.
We’re covering two big topics:
Whether you’re team “chores-for-cash” or you’re just trying to give your teen lunch money without handing over your debit card—this one’s for you.
We break down:
Why separate kid accounts are a game changer
How to start small with a simple debit card setup (no fancy apps needed!)
What to do if your kids have jobs, commute siblings, or help around the house
How this ONE system builds financial literacy, teaches responsibility, and saves you from being the Bank of Mom & Dad
Bottom line? This is less about the money and more about the life skills you’re handing your kids. And you don’t need some overpriced app to do it. You’ve got this.
We’re also diving deep into something that comes up all the time in our coaching sessions: trust around money in relationships.
Shana shares a powerful story from a couple who had been together for nearly 20 years but still hadn’t fully merged their finances. Spoiler alert: It wasn’t because of anything they did to each other—it was childhood money trauma they never unpacked.
We talk about:
What might really be behind your hesitation to combine finances
Why getting financially naked might be the real intimacy block 😬
How to have conversations about past mistakes, guilt, and money baggage
Emergency Fund vs. Savings Buckets: Why You Need Both and When to Use Each | 490
Let’s clear the air: an emergency fund is NOT a catch-all for life’s expenses. Most of what wrecks your budget month to month? Not true emergencies — just unexpected-but-actually-expected stuff like car repairs, insurance renewals, and holiday madness.
In this episode, we’re breaking down:
The real difference between an emergency fund and savings buckets
Why saving $1,000 and calling it a day isn’t the move
What to do before paying off debt
The 6 steps we walk our clients through (and why this order makes your budget work better)
Why you’re always draining your savings account without realizing it
🎯 We’ll also chat about how to:
Figure out how much you need in your mini emergency fund
Brainstorm savings buckets that make sense for your real life
Avoid the “oops, I forgot about that bill” panic
Finally create a financial plan that’s flexible, clear, and works for you
Plus: We share details on our upcoming Budget Bootcamp starting December 29th! (Don’t worry — no homework now, just get your name on the list.)
This episode is your budget reset button — whether you’re just starting or you’ve been winging it and wondering why it’s not working.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎
Should We Sell Our House to Get Out of Debt? What We’re Wrestling With as a One-Income Family | 489
Budget besties, whew — grab your tissues and your coffee. In this powerful episode, we sit down with Mackenzie, a wife, mama of two, and full-time working powerhouse navigating a major life pivot after her husband lost his job. Spoiler: this conversation is about so much more than money.
From a job loss to reworking their budget and leaning into a new side hustle, Mackenzie walks us through the real life stuff — the stress, the faith, and the tough decisions that so many of us face but don’t always talk about.
We dig into:
💸 What to do when your income suddenly drops
🏡 Why selling your house might not be the answer
🧮 How to actually figure out how long your savings can last
❤️ The emotional weight of being the breadwinner... and choosing not to be anymore
💡 Why pursuing purpose can still be part of your financial plan
🙌 And the reminder we all need: THIS is why we budget — so we’re prepared when life hits
Mackenzie’s vulnerability, grit, and heart are what this community is all about. If you’ve ever felt like you're holding everything together with duct tape and coffee, this one’s for you.
Today, we’re bringing you another round of real-life stories and real-life lessons straight from our private coaching sessions. Because if our clients are dealing with it… chances are you are too.
Our goal? To help you avoid the same mistakes, feel less alone, and walk away with practical wins you can use today in your budget.
Connect With Us:
Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎
Lessons from Real Coaching Clients: Why Biweekly Mortgage Payments and Micro-Investing Apps Like Acorns Might Be Keeping You Broke | 488
Today, we’re bringing you another round of real-life stories and real-life lessons straight from our private coaching sessions. Because if our clients are dealing with it… chances are you are too.
Our goal? To help you avoid the same mistakes, feel less alone, and walk away with practical wins you can use today in your budget.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎
How to Afford Christmas Without the Credit Card Regret | 487
In this replay, we’re taking you back to a powerful holiday episode where we teamed up with the amazing Anna from the It's About Time Podcast! If Christmas tends to sneak up on you (and your wallet), this one’s a must-listen. We're sharing our best-kept secrets for cash flowing Christmas, ditching the credit cards, and yes—still being bougie on a budget 🎁✨
We break down:
Why you don’t have a spending problem—you just need to get organized
How our grandparents had 5-line-item budgets, and now we’re dealing with 85 tabs open in our brains 🤯
Why relying on credit cards for Christmas is a recipe for a holiday hangover
How to start being your own bank 💰 (bye-bye, points that don't pay)
Why budgeting isn’t restrictive—it’s just a plan for your priorities
The 5-column budget system we teach that makes things click
How to budget for Christmas without giving up what you love (pumpkin spice included ☕)
What to include in your holiday budget (spoiler: it’s more than just gifts)
How to loop in your kids without the money stress or guilt
Why Christmas can (and should!) be generous and planned
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like...
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
December’s got layers: holiday travel, birthdays, class parties, random gift exchanges. We show you where to plug in those “extras” so they don’t sneak-attack your budget.
✅ Stacking Your Savings Buckets
Whether it’s for Christmas 2026 or your annual HOA fee, those savings buckets are key to staying out of debt for good. We give you the rundown on how our clients are funding theirs, even in a busy season.
✅ Using Leftover Money With Intention
Once everything’s plugged in, what’s left? That’s the magic. Whether it’s extra debt payments or beefing up your savings, we show you how to finish your budget strong—without guessing.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎
honest
The path forward when there’s a history of mistrust—and how healing IS possible
If you’re married (or partnered) and feel like you’re in your own financial lane, this episode will hit home.
Whether you're teaching your teens to track their balances or working through decades of financial “stuff” with your partner, just know—we’re in this with you.
You’re not behind. You’re not the only one. And you’re definitely not alone.
🧡 We're cheering you on every step of the way.
Connect With Us:
1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎budgetbesties.com/facebook
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss an episode! 💌 And if you're feeling extra generous, share this podcast with a friend who needs it. We’d be so honored. 🙌
This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase!
2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎budgetbesties.com/automate
3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎budgetbesties.com/budget
4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎budgetbesties.com/coaching
5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall
"I love Shana & Vanessa and this podcast is amazing!" 👈🏻 If that sounds like you… ✨ Please take a second to rate & review the show! It helps us reach more people—just like you—who are ready to change their financial future. 🔔 Don’t forget to follow so you never miss...
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